文章基本信息

标题：Risk Assessment for Personalized Health Insurance Based on Real-World Data
本地全文：下载
作者：Aristodemos Pnevmatikakis ; Aristodemos Pnevmatikakis ; Aristodemos Pnevmatikakis 等
期刊名称：Risks
印刷版ISSN：2227-9091
出版年度：2021
卷号：9
期号：1
页码：46
DOI：10.3390/risks9030046
语种：English
出版社：MDPI, Open Access Journal
摘要：The way one leads their life is considered an important factor in health. In this paper we propose a system to provide risk assessment based on behavior for the health insurance sector. To do so we built a platform to collect real-world data that enumerate different aspects of behavior, and a simulator to augment actual data with synthetic. Using the data, we built classifiers to predict variations in important quantities for the lifestyle of a person. We offer a risk assessment service to the health insurance professionals by manipulating the classifier predictions in the long-term. We also address virtual coaching by using explainable Artificial Intelligence (AI) techniques on the classifier itself to gain insights on the advice to be offered to insurance customers.